Abu Dhabi Islamic Bank · ADX:ADIB

Abu Dhabi Islamic Bank — Q2 2020 Earnings Presentation

28 slides from Abu Dhabi Islamic Bank's earnings presentation, August 2020

  1. Slide 1: Investor Presentation

    Investor Presentation 30 June 2020 Abu Dhabi: August 2020

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  22. Slide 22: ADIB is in a good position to start a new phase

     ADIB is in a good position to start a new phase in the Bank’s history, building on ADIB’s 22

  23. Slide 23: Significant Progress in Digital Transformation

    Significant Progress in Digital Transformation  New mobile app functionality includes applying for personal finance, digital onboarding and KYC update.  60% of all customers are now active on ADIB’s digital channels.  Over 2 million transactions are conducted every month on ADIB’s mobile app.  9

  24. Slide 24: Appendix

    Appendix ADIB @) cee

  25. Slide 25: Consolidated Statement of Income

    Consolidated Statement of Income Change % Change % Q2 20 vs Q2 20 vs H1 20 vs H1 AED Mn Q2 19 Q1 20 Q2 20 H1 19 H1 20 Q2 19 Q1 20 19 Revenues 1,451 1,292 1,264 -12.8% -2.2% 2,887 2,557 -11.4% Net revenues from funds 961 868 802 -16.6% -7.6% 1,917 1,670 -12.9% Fees & commission 254 211 206 -18.9% -2.

  26. Slide 26: Consolidated Balance Sheet

    Consolidated Balance Sheet Change % AED Mn 30 Jun 2019 31 Dec 2019 30 Jun 2020 Jun 20 vs Jun 19 Jun 20 vs Dec 19 Cash and balances with Central Banks 17,541 19,823 17,526 -0.1% -11.6% Due from financial institutions 6,076 3,363 3,023 -50.2% -10.1% Net Customer financing 78,892 81,108 81,978 3.9% 1.1

  27. Slide 27: Dividend Distribution History - AED

    Dividend Distribution History - AED A consistent dividend distribution record AED 2012 2013 2014 2015 2016 2017 2018 2019 Net Profit (Mn) 1,201.2 1,450.2 1,750.7 1,934.0 1,953.6 2,300.1 2,500.8 2,601.1 Cash Dividend Payout Ratio (% of Net Profit) 50.0% 50.0% 40.0% 39.8% 39.8% 39.8% 39.8% 38.2% Cash

  28. Slide 28: Shareholder's Return: ADIB vs ADX

    ADIB Price (AED)  1.50 2.00 3.00 3.50 4.50 5.00 6.00 6.50 7.50 1.00 2.50 4.00 5.50 7.00 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Shareholder’s Return Dec-11 ADIB vs ADX Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Mar-14 ADIB Jun-14 Sep-14 Dec-1

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